Money: Rejection

Rejection

By creditwhore - 24/02/2010 19:13 - United States

Today, I decided to apply for a credit card to help build up my credit rating. It seemed smart since I'm a 24 year-old college graduate. I was rejected for not having a credit history. Being rejected turns out to hurt your credit history. The irony of my predicament is too great for words. FML

I agree, your life sucks 34 651

You deserved it 2 901

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Same thing different taste

By Anonymous - 29/06/2016 01:51

Today, I received a notification that someone opened a fraudulent credit card in my name. I'm not sure what's worse: that they were approved at all with my terrible credit, or that I was denied for this exact card when I applied out of desperation last month to pay for my service dog's surgery. FML

I agree, your life sucks 14 527

You deserved it 914

Pedestrian blues

By Anonymous - 05/02/2023 00:00 - United States

Today, after I'd saved up for a deposit on a new car, I found out when I went to the dealership that I wasn’t eligible for a loan, due to my credit score. FML

I agree, your life sucks 659

You deserved it 308

By Failure - 22/12/2016 03:32

Today, despite having glowing recommendations, stellar grades, and an impressive resumé, I was rejected by all 15 colleges that I applied to. No explanation or reasons have been given, and it's too late to apply to any more. FML

I agree, your life sucks 9 861

You deserved it 936

By StuckInCollegeLimbo - 30/08/2017 19:30 - United States - Riverside

Today, after going through months of registration and orientation to transfer to a university, I was told that my application was denied because I didn't meet the minimum credit requirement. You couldn't tell me this before? FML

I agree, your life sucks 3 627

You deserved it 347

Cough up

By Anonymous - 13/11/2009 22:29 - United States

Today, I learned I have over $10,000 in debt, despite never owning a credit card. Apparently, my ex-roommate had been replying to the credit card offers I was receiving in the mail. That also explains my missing driver's license a few months back. FML

I agree, your life sucks 37 459

You deserved it 3 076

By BrokeAF - 22/12/2016 12:21

Today, I eagerly applied for a high-salary, fully supportive graduate program that I qualified for. There were 5 steps in the application process. I was turned down after the first one. FML

I agree, your life sucks 7 796

You deserved it 890

By Jibber96 - 14/11/2015 13:31 - Norway - Oslo

Today, I was walking with a friend to tell him how excited I was for college and even motivating him to apply for the same school, until I found out later that I got rejected. FML

I agree, your life sucks 23 135

You deserved it 2 467

By MommyLovesMe - 08/03/2011 15:21 - United States

Today, I learned why my credit score is so low. My mom stole my identity almost three years ago. Her excuse? "You didn't need good credit for anything anyways". FML

I agree, your life sucks 44 710

You deserved it 3 349

Scammed

By Anonymous - 08/03/2023 05:00 - United States - Austin

Today, I noticed my credit score increased by 30 points. Not understanding why, I checked credit karma and found out someone opened several credit cards in my name. FML

I agree, your life sucks 938

You deserved it 86

By Jesse Thames - 16/05/2019 04:03

Today, I received a series of rejection letters from jobs, one after the other. Last night, I stayed up into the wee morning hours to apply to campus jobs I'm not qualified for, because I was classified as a part-time student due to an administrative error. FML

I agree, your life sucks 1 663

You deserved it 173

idkweird 0

Wednesday 24 February 2010 23:19

I don't understand this at all. Credit Card companies used to have people on my college campus all the time because, since most of us didn't have a credit history, it was easier to get credit cards. Here's my advice. Open up a secured line of credit with your bank. You give them a certain amount of cash, and they put it on a card for you. That card works like a credit card on your credit score, but you don't get into crazy debt over it. It's prepaid.

Zwingend 15

Wednesday 24 February 2010 23:22

Depending on who you're banking with you can get this card that is sort of your training wheels for the future. You put 200$ in an account then they give you a card with a 200$ limit to use. If you use this card correctly they will then give you a full fledged credit card. Look into it, it sucks but in the end it's worth it.

Comments

sexidimplez 0

Thursday 25 February 2010 8:33

snickerdoodles pretty much every good credit card company wants a credit history

sexidimplez 0

Thursday 25 February 2010 8:36

^ i agree she has an answer for everything ****** scientologist

cmac86 23

Thursday 25 February 2010 9:08

try it through your bank. I did that when I wa in your situation. I'm working on my credit score right now so when I finish college I'll at least have SOME credit. and pardon my grammar, it's late. good luck!

PedoBearSaysYES 0

Thursday 25 February 2010 9:53

aww lol fyl but ydi you should have gotten some credit card offers at least when u turned 20. talk to a bank first and they shoul help u set things up so stuff likethis won't happen but it's to late now baby it's to late, darling it's tooo laaaaate.

KiwiBlam 4

Thursday 25 February 2010 10:13

Woah, I didn't want to start a whole snickerdoodles hating gang. Just trying to offer some perspective...

bebz_fml 0

Thursday 25 February 2010 11:13

LOL a scientologist!? good lord..

FoxhoundEP3 0

Thursday 25 February 2010 11:19

don't give me that bullshit, your not in freaking college! you have a stupid point of view for every fml out there and your inexperience while replying to other people clearly tells that your under 15... wait until your time comes then experience , for now don't try to be something your not, your just making a fool of yourself

SamIsSoaked 0

Thursday 25 February 2010 12:28

You are indeed very lucky. Seems like France actually took steps to PROTECT their citizens instead of allowing them to be exploited. In SA banks are allowed to charge us for services, essentially we have to pay so the banks can play with our money. Oh, also for taking your money out of the account, say hello to a nice big "service charge". Thing is, there is nothing we can do. So its bitch about it, but effectively still be screwed.

CableFrog 3

Thursday 25 February 2010 13:05

Oh, some of the services lead to charges in France too, such as transferring money to other banks, cashing a cheque to draw money, or using ATMs from competitors, but usually they are fairly reasonable. The credit situation in the US seems really like walking on your head though, since it requires you to waste money on credits you don't even necessarily need so they'll loan you money further on. Here in France, it mostly boils down to how much do you earn vs how much do you spend coupled to your job security. Civil servants for example are *loved* by banks, because it means the person who's taking a loan has a life-time job and has a very high chance of being able to pay every month, even if they earn a bit less. and if you are careful with what you spend, as Alek said, you may never need a loan except to buy a car (and usually car dealerships have their own agreements with credit companies to offer you one) and to buy a house/appartment.